RSS Company News - Experian Corporate website

Tue, 13 Oct 2026 07:54:00 GMT

Key Highlights:

As new Medicaid eligibility verification requirements take effect on January 1, 2027, Experian Health can help healthcare providers quickly verify income and employment information to support coverage and financial assistance screening. Patient Financial Clearance now provides instant income and employment information in seconds, reducing manual verification efforts and streamlining patient access workflows. With this capability, healthcare organizations can more easily assess their patient population at scale, mitigate coverage risk and accelerate reimbursement.

COSTA MESA, Calif., October 13, 2026 – As healthcare organizations prepare for new Medicaid eligibility verification requirements under the One Big Beautiful Bill Act (OBBBA), Experian® Health today announced the addition of income and employment verification capabilities to Patient Financial Clearance, its financial pathway product that helps screen patients for financial assistance and reduce bad debt. The solution gives healthcare providers instant access to verified income and employment information, helping organizations automate Medicaid screening processes, support eligibility determinations, and reduce reliance on manual verification efforts.

Turning Regulatory Change into Operational Readiness

New Medicaid eligibility requirements give individuals 30 days to submit documentation if their employment or exemption status cannot be verified before coverage can be denied or terminated. As a result, timely and accurate verification is becoming increasingly critical. Without current information to help determine Medicaid compliance, healthcare providers risk denied Medicaid claims and patients may face unexpected bills, leading to reimbursement delays, patient confusion, and added friction throughout the care journey.

Patient Financial Clearance already helps providers assess propensity to pay, identify patients who may qualify for Medicaid or financial assistance programs, and recommend the most appropriate financial pathway before or at the point of service. Through an integration with Experian Verify™, Experian Health now seamlessly offers income and employment verification enhancing providers' ability to validate eligibility information in real time.

"Healthcare organizations are facing a rapidly changing eligibility environment that requires more frequent and reliable verification of patient financial information," said Nora Iluri, Chief Product Officer at Experian Health. "One of the greatest strengths of Experian is our ability to bring together data, technology and expertise from across the enterprise to quickly address emerging market needs. By integrating Experian Verify into Patient Financial Clearance, we're helping providers navigate new verification requirements, reduce administrative burden and connect patients to the coverage and financial assistance they need. This is a powerful example of how we're delivering on our mission to simplify healthcare for all."

Adding to the complexity among providers is Medicaid Redetermination, an annual eligibility renewal process for patients. This practice and upcoming regulatory changes are expected to increase the volume and sophistication of eligibility and financial assistance screening activities, creating new administrative demands for patient access and revenue cycle teams. Experian Health research shows that nearly 40% of providers report that Medicare and Medicaid policy or eligibility changes make reimbursement processes more challenging[i].

The new integrated solution will help providers:

Automate income and employment verification within financial clearance workflows Support Medicaid and financial assistance eligibility screening with verified data Reduce manual document collection and verification efforts Accelerate financial conversations and patient access processes Deliver a more streamlined and transparent patient financial experience

Bringing Verification Directly into Provider Workflows

Experian Verify provides access to one of the nation's largest instant employer payroll networks with millions of unique payroll records, enabling providers to verify income and employment information in seconds through automated workflows. When payroll data is unavailable, the solution can leverage consumer-permissioned payroll access and document upload capabilities, creating a comprehensive, multi-layered verification approach. Current Patient Financial Clearance clients can add this capability, while other Experian Health clients can access it as a stand-alone solution.

“Whether they’re applying for a home, starting a new job or accessing essential services, Experian plays an important role in helping people move forward during some of life’s most meaningful moments,” said Ryan Rosales, senior vice president and general manager for Experian Verification Solutions. “By integrating Experian Verify into the healthcare experience, we’re extending the value of instant income and employment verification to another critical moment in a consumer’s life and helping to reduce friction at a time when patients should be focused on getting the care they need.”

As healthcare providers contend with increasing verification requirements, the combination of Patient Financial Clearance and Experian Verify helps enable organizations to balance compliance, operational efficiency and patient support. Patients can also complete portions of the financial assistance process digitally, including application submission, document upload and status tracking, helping reduce friction for both patients and staff.

For more information about Experian Health and Patient Financial Clearance, visit https://www.experian.com/healthcare/products/payment-tools/patient-collections-and-financial-clearance.

About Experian Health

At Experian Health, we serve more than 60 percent of U.S. hospitals and more than 5,800 medical practices, labs, pharmacies and other healthcare providers to simplify healthcare with data-driven platforms and insights that help our clients make smarter business decisions, deliver a better bottom line and establish strong patient relationships.

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We invest in talented people and new advanced technologies to unlock the power of data and to innovate. A FTSE 100 Index company listed on the London Stock Exchange (EXPN), we have a team of 25,200 people across 33 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.

For more information about Experian Health, visit http://www.experian.com/healthcare/. Learn more about Experian at www.experianplc.com.

[i] Experian State of Claims Survey, 2026

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Mon, 12 Oct 2026 11:56:00 GMT

Costa Mesa, Calif., September 28, 2026 — Experian® today released its 2027 Data Breach Industry Forecast: Consumers at Risk, offering a look at the evolving cybersecurity landscape and the growing risks facing consumers and organizations in the years ahead. Now in its 14th year, the annual report explores how artificial intelligence (AI), identity fraud, data breaches and digital deception are converging to create what may become one of the biggest cybersecurity challenges of next year and beyond: a crisis of trust.

As cybercriminals gain access to decades of stolen personal data and increasingly powerful AI tools, businesses may find it harder than ever to verify identities online to combat fraud. At the same time, consumers may face increasing difficulty distinguishing legitimate communications from fraudulent ones and preventing identity doppelgängers. The report examines how these trends could transform the relationship between businesses, consumers and digital trust.

"Organizations have spent years focusing on preventing breaches and securing data. But with decades of exposed data already circulating the focus also needs to be on verification practices, combatting fraud and helping consumers determine what and who they can trust," said Michael Bruemmer, Vice President of Global Data Breach Resolution at Experian. "Cybersecurity is entering a new era where proving authenticity is just as important as protecting data and Experian can help with leading verification and fraud prevention services as well as providing post-incident response support. Businesses that prepare now will be in a stronger position to navigate the evolving threat landscape and maintain customer confidence."

Emerging Trends That Could Shape 2027

The forecast outlines four predictions that examine potential changes and risks on the horizon, including:

Proof of Being Human Becomes the Hottest New Market: The rise of technologies and services designed to help organizations and consumers verify authenticity in an AI-driven world. The Rise of the Digital Doppelgänger: The evolution of identity theft as cybercriminals build increasingly sophisticated and convincing profiles of individuals. Consumers Fighting Fire with Fire: New ways consumers may attempt to protect themselves from identity theft as the number of data breaches continues to climb. Breach Notifications Need a Reset: How growing skepticism toward digital communications could influence regulatory mandates and future data breach notification practices.

Read the full predictions and download the complimentary 2027 Data Breach Industry Forecast, here: https://us-go.experian.com/data-breach-industry-forecast.

Experian Data Breach Resolution helps organizations respond quickly and confidently to data breaches with over 24 years of crisis-management experience. The company's services include breach preparedness, consumer notification, contact center support, identity protection services and global response capabilities designed to help organizations protect customer trust and reduce reputational risk.

For more information about Experian Global Data Breach Resolution, visit: https://www.experian.com/business/solutions/fraud-management/global-data-breach-services.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and platforms. We also assist millions of people to realise their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

We invest in talented people and new advanced technologies to unlock the power of data and to innovate. A FTSE 100 Index company listed on the London Stock Exchange (EXPN), we have a team of 25,200 people across 33 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.

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Mon, 12 Oct 2026 11:52:00 GMT

COSTA MESA, Calif. (Oct. 8, 2026) — Experian® today announced the recipients of its 2026 Vision Awards, recognizing Best Egg, Credit One Bank, Fundbox and Valley First Credit Union for their leadership in using data, analytics and technology to create measurable business outcomes and positive impact for consumers and communities.

Winners were selected by an independent panel of judges and evaluated on demonstrated results, creativity, scalability and industry impact. The awards were presented during Experian Vision 2026, held Oct. 5-8 in San Antonio, TX. The four-day client event convened more than 600 senior leaders, data scientists, and decision-makers across several industries to gain insights from experts and preview the latest innovations shaping the future of data-driven decisioning.

"As organizations navigate a rapidly changing landscape, innovation requires more than technology alone. It requires vision, execution and a commitment to creating meaningful outcomes," said Jeff Softley, CEO of Experian North America. "This year's winners exemplify what's possible when organizations combine data-driven decisioning with a clear purpose. We are honored to recognize their achievements and the positive impact they’re making for customers and society."

2026 Vision Award winners

Excellence in Analytics: Credit One Bank

Credit One Bank is advancing credit risk assessment and expanding responsible access to credit through a rebuilt custom underwriting model developed using Experian data and advanced machine learning techniques within the Experian Ascend Sandbox™. The enhanced model delivered nearly a 50% improvement in Kolmogorov-Smirnov score performance, significantly strengthening underwriting precision and risk assessment capabilities. As a result, Credit One Bank expects to increase credit card offers by approximately 15% while maintaining current loss rates, helping more consumers build or rebuild their financial health while supporting sustainable business growth.

"At Credit One Bank, we're constantly looking for new ways to leverage data and analytics to better serve consumers while maintaining strong portfolio performance," said Blake Gertz, Senior Vice President of Modeling Risk at Credit One Bank. "By combining advanced data assets, machine learning capabilities and modern development tools, we've enhanced our underwriting approach and expanded our ability to provide responsible access to credit. We're honored to be recognized by Experian for this achievement."

Excellence in Artificial Intelligence: Fundbox

Fundbox is advancing embedded capital lending lending with an AI-driven underwriting approach that enables platforms to deliver faster decisions and broader access to funding for the small businesses they serve. Its AI-powered underwriting engine combines banking, accounting and payment activity with Experian consumer and commercial credit data to evaluate businesses using real-time operating signals, delivering credit decisions in less than 60 seconds with 98% of applications requiring no human review. Since January 2024, the solution has approved more than 50,000 new customers and supported approximately $2 billion in originations.

"Small businesses move fast, and access to capital needs to keep pace," said Sarvesh Baveja, Chief Risk Officer at Fundbox. "By enabling our partners to embed access to capital into the experiences they provide, and by leveraging AI and real-time business data, we’ve created a more efficient and inclusive underwriting process that helps entrepreneurs get the funding they need when they need it. We’re proud to be recognized by Experian for driving innovation that delivers meaningful outcomes for our partners and the small businesses they serve.”

Excellence in Financial Empowerment: Valley First Credit Union

Valley First Credit Union is expanding financial inclusion and economic opportunity across California's Central Valley, with more than 70% of its lending supporting low-and moderate-income communities. Through strategic partnerships and purpose-driven lending programs, Valley First helped individuals, families and small businesses move forward financially in 2025, providing $239,000 in microloans, $390,000 in SBA commercial loans, $660,000 through the Modesto Loan Fund and $32,000 in first-time homebuyer assistance grants. Beyond lending, Valley First remains committed to empowering the communities it serves through financial education, one-on-one guided counseling and free resources. Valley First reached more than 4,200 community members and helped nearly 12,900 members build stronger credit and greater financial confidence.

“At Valley First, we believe financial well-being starts with access, education and support,” said Kathryn Davis, President and CEO of Valley First Credit Union. “We’re committed to helping people at every stage of their financial journey, whether that means securing affordable financing, building credit, buying a first home or growing a business. We’re honored to receive this recognition from Experian and proud of the positive impact we’re making throughout the Central Valley.”

Excellence in Innovation: Best Egg

Best Egg received the Excellence in Innovation award for two initiatives focused on fraud prevention and personalized offer experiences. The company built an adaptive fraud-prevention ecosystem that combines Experian data with additional identity and risk signals. From July 2025 to date, the program reduced fraud losses and identified and prevented a significant amount of application volume associated with suspected fraudulent activity, while limiting additional friction for legitimate customers. “By combining multiple data signals, we can respond to evolving fraud threats with greater precision while maintaining a seamless customer experience. We’re honored to be recognized for work that has significantly reduced fraud and strengthened trust,” Karan Gandhi, Senior Director of Credit Risk at Best Egg.

Best Egg also built a real-time personalized offer experience on top of its traditional prescreen process that generated a 17% lift in application submissions, a 35% relative lift in application approval rate and a 32% relative lift in offer acceptance. Expansion to additional loan products increased the number of customers eligible to receive a personalized offer by 37.5%. “Innovation in marketing means using data to better understand customer needs and deliver more relevant options at the right time. By transforming pre-screening into a real-time, personalized experience, we’re helping customers find solutions aligned with their financial goals. This recognition reflects our commitment to creating more tailored customer experiences and stronger business outcomes,” Lorrie Carter, Senior Director of Existing Customer Marketing and Cross-Sell at Best Egg.

For more information about the Experian Vision Awards, visit www.experian.com/business/vision-awards. Submissions for next year’s awards will open on June 1, 2027.

About Experian Vision Awards

The Experian Vision Awards recognize organizations that accelerate action through the use of data, analytics, software and financial empowerment initiatives. The program honors forward-thinking institutions that are creating measurable impact for consumers, businesses and communities through innovation and technology leadership. Award categories for 2026 include Excellence in Analytics, Excellence in Artificial Intelligence, Excellence in Financial Empowerment and Excellence in Innovation.

Judges for the 2026 Vision Awards included senior Experian executives and leaders from across the industry, including:

Kevin O’Connor, Executive Vice President, Membership, Sponsorship at Consumers Bankers Association Rhonda Spears Bell, Senior Vice President and Chief Marketing Officer at the National Urban League Ian P. Moloney, Chief Policy Officer at American Fintech Council Rene Vargas Martinez, Vice President at Inclusiv

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and platforms. We also assist millions of people to realize their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

Experian and the Experian marks used herein are trademarks or registered trademarks of Experian and its affiliates. Other product and company names mentioned herein are the property of their respective owners.

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Mon, 12 Oct 2026 11:49:00 GMT

COSTA MESA, CALIF., (Oct. 06, 2026) -Experian®, a global leader in data and technology, today announced Experian Cashflow Data Bureau, Inc. The new consumer reporting agency (CRA) operates under the Fair Credit Reporting Act (FCRA), enabling financial institutions to leverage consumer-permissioned cash flow insights at scale to help support more informed underwriting decisions and responsibly expand access to credit.

Experian Cashflow Data Bureau was unveiled to hundreds of business leaders during Experian’s annual Vision conference in San Antonio.

The launch comes as nearly 1 in 5 consumers lacks access to or has damaged credit[1] and Experian’s research[2] shows 60% of consumers who’ve previously been denied credit, or received less favorable terms than expected, believe the outcome would’ve been different if lenders had considered their recent income and banking activity alongside their credit history.

When cash flow insights are paired with credit data, Experian’s analysis shows a predictive performance increase of up to 40%. At the same time, these insights can help lenders increase approvals by up to 25% without adjusting their risk tolerance.[3]

Driving industry adoption of cash flow insights

While financial institutions have expressed interest in leveraging banking information to gain a more complete view of consumer financial health, lenders have highlighted a need for a single, trusted provider to help simplify and operationalize the use of these insights.

Experian Cashflow Data Bureau establishes Experian as the only provider to deliver an end-to-end cash flow decisioning ecosystem backed by decades of credit, consumer reporting and analytics expertise. From consumer-permissioned bank account data aggregation and report generation to analytics, scoring and decision-ready insights, Experian Cashflow Data Bureau helps financial institutions adopt and integrate cash flow insights into decisions through a single, trusted provider.

“We’ve spent decades building the trusted data, analytics, technology and expertise financial institutions depend on every day," said Jeff Softley, CEO of Experian North America. “With Experian Cashflow Data Bureau, we’re applying that experience to cash flow and making it easier for our clients to adopt these insights with confidence and at scale. By helping lenders understand a more complete picture of consumers’ financial lives, we can power more-informed decisions and ultimately help more consumers access the financial products and services they need, when they need them.”

Experian’s cash flow ecosystem

Experian Cashflow Data Bureau serves as the enabling foundation for Experian’s suite of cash flow solutions, which includes:

Consumer consent and connectivity enables consumers to securely connect and permission access to their bank accounts through Experian when applying for credit. Cash flow consumer report organizes, categorizes and aggregates consumer-permissioned bank account transaction and balance information into a standardized consumer report that’s regulated by the FCRA, giving lenders a consistent foundation for incorporating cash flow information into lending decisions. Cashflow Categories™ converts consumer-permissioned bank account transaction data into standardized, decision-ready intelligence using dynamic machine learning models that process tens of millions of transactions each day. Cashflow Attributes and Cashflow Score transform categorized bank account transaction and balance data into predictive insights that help lenders better understand a consumer’s financial capacity. Through Experian Activate™, Cashflow Attributes can also help participating lenders connect consumers with new financial offers. Credit and Cashflow Score is the industry’s first score that will combine consumer-permissioned cash flow insights with Experian’s differentiated data assets, including traditional credit, trended data from Experian Information Services and Clarity Services information. Custom analytics and consulting services: Helps lenders integrate cash flow insights into existing underwriting strategies through the Ascend Analytical Sandbox, optimize decisioning models and accelerate deployment through Experian Decisioning. Cashflow Attributes for commercial lenders: Helps turn business bank transaction data into predictive attributes, providing an additional view into how a business is operating and supporting more informed commercial lending decisions.

“Cash flow data, aggregation and score usage has been growing steadily and are having a positive impact on expanding credit approvals,” said Craig Focardi, Principal Analyst at Celent. "However, lenders’ cash flow underwriting businesses are still scaling, and integrating multiple vendor solutions can increase implementation time and costs. An end-to-end cash flow solution can help lenders accelerate solution implementation time and increase returns to investing in cash flow underwriting."

To learn more about Experian’s suite of cash flow solutions, please visit https://www.experian.com/experian-cashflow-bureau.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and platforms. We also assist millions of people to realize their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

[1] https://www.newyorkfed.org/medialibrary/media/images/v5/library/community-development/household-financial-stability/2026/the-market-for-credit-building-demand-product-characteristics-and-consumer-uses

[2] Experian commissioned Atomik Research to conduct an online survey of 2,000 adults age 18+ in the United States. The margin of error for the overall sample is +/- 2.2 percentage points with a confidence level of 95 percent. Fieldwork took place between July 16 - July 21, 2026.

[3]Based on Experian analysis when its Cashflow Score solutions are compared to conventional credit scores, tailored to targeted risk tiers. Predictability based on GINI.

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Mon, 12 Oct 2026 11:27:00 GMT

COSTA MESA, CALIF. (Sept. 29, 2026) — Experian® today announced Experian Cashflow Attributes for commercial lenders, a new solution that transforms business bank transaction data into analytics-ready attributes to help financial institutions make more informed decisions and gain a deeper understanding of the financial health of the businesses they serve.

“Small businesses are a vital part of our economy and helping them access the credit they need to grow and expand starts with providing lenders with a more complete understanding of their financial health,” said Molly Poppie, Chief Product and Analytics Officer for Experian Financial Services and Data. “Commercial credit data is critical to understanding business risk, and Cashflow Attributes for commercial lenders adds another powerful dimension by providing an automated and current view of how a business is operating. By pairing these insights, we can help lenders make more-informed decisions and power more opportunities for small businesses to thrive.”

Experian’s announcement comes as access to capital remains critical for small businesses looking to operate and grow. According to the Federal Reserve Banks’ 2026 Small Business Credit Survey,[1] 60% of small businesses sought financing in the prior 12 months, most commonly to meet operating expenses (56%) or pursue an expansion or new business opportunity (46%). Yet just 42% of applicants received all the financing they sought, while more than 1 in 5 received none.

At the same time, lenders need sufficient information to confidently evaluate a business's financial health and ability to repay. For businesses with limited commercial credit histories, traditional credit information alone may not provide a complete picture. Cash flow insights can provide an additional view into how a business is operating and its overall financial health, helping lenders make more-informed decisions and identify opportunities to responsibly extend credit to more businesses.

Experian’s preliminary analysis shows Cashflow Attributes for commercial lenders are particularly useful for businesses with thin credit files, providing up to a 24% lift in predictive performance when paired with traditional commercial credit data.

“At a time when decision-making, especially using AI, is becoming a significant competitive differentiator, Experian Cashflow Attributes for commercial lenders makes particular sense,” said Jerry Silva, vice president, IDC Financial Insights. “Modern decision platforms need access to multiple alternative data sources, and having commercial transaction information will give those institutions that leverage it a competitive leg up.”

Turning business transactions into actionable insights

Leveraging first-party transaction data, such as information from an institution’s existing business checking account relationships, or permissioned commercial bank account transaction data, Cashflow Attributes for commercial lenders provides insight into a business’ financial health, including predictive analytics on liquidity, revenue trends, operating expenses, debt exposure and repayment capacity.

Designed to complement Experian’s commercial credit data, more than 500 analytics-ready attributes can be used across underwriting, portfolio management and model development to help lenders quickly integrate cash flow into their workstreams.

Continuing Experian’s investment in cash flow insights

The launch reflects Experian’s continued investment in expanding its cash flow capabilities across consumer and commercial markets and expands the company’s existing commercial credit data and analytics capabilities by adding transaction-based signals to lending decisions.

Experian Cashflow Attributes for commercial lenders leverages technology from Slope, a specialist in business decisioning and commercial bank account data, selected by Experian to help accelerate the delivery of commercial cash flow capabilities to clients.

“We're excited to collaborate with Experian to help bring richer cashflow insights to commercial lenders,” said Lawrence Lin Murata, co-founder and CEO of Slope. “Small businesses generate valuable financial signals through their daily operations and banking activity. By combining Slope's expertise in transforming business transaction data with Experian's industry-leading commercial credit data and analytics, we're helping lenders gain a deeper understanding of business performance and create more opportunities for small businesses to access the capital they need to grow.”

For more information about Experian’s cash flow capabilities, please visit https://www.experian.com/business/products/cashflow-attributes?msockid=0f977b755166635b365d6c2750896233.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and platforms. We also assist millions of people to realize their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

[1] Federal Reserve Banks, 2026 Report on Employer Firms: Findings from the 2025 Small Business Credit Survey, March 3, 2026. https://www.fedsmallbusiness.org/reports/survey/2026/2026-report-on-employer-firms

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Mon, 12 Oct 2026 10:45:00 GMT

Key Highlights

Named Best Authentication Innovation: Experian NeuroID for Account Defense was recognized in Datos Insights’ 2026 Fraud & AML Impact Awards. Detects account takeover, even when authentication looks valid: Continuous behavioral, device and network intelligence helps identify threats when credentials and multifactor authentication appear legitimate. Uncovers sophisticated fraud rings and coordinated attacks: Multidimensional link analysis connects activity across accounts, devices and sessions to expose hidden relationships and suspicious patterns. Delivers measurable fraud-fighting results: Client deployments have achieved 2x more fraud detected at login and a 56x lift in the ability to predict chargebacks.

COSTA MESA, Calif., Oct. 9, 2026 – Experian today announced that Experian NeuroID for Account Defense has been named the Best Authentication Innovation winner in Datos Insights’ 2026 Fraud & AML Impact Awards. The recognition highlights Experian’s innovative approach to authentication risk and account takeover (ATO) prevention as financial institutions and digital businesses face increasingly sophisticated fraud attacks.

“As fraudsters adopt AI and increasingly sophisticated techniques, businesses need equally advanced ways to identify risk,” said Jason Keegan, Chief Product Officer for Experian Fraud and Identity. “This recognition from Datos Insights validates Experian’s approach to combining behavioral intelligence, advanced analytics and AI to help organizations stay ahead of emerging threats while delivering seamless experiences for legitimate customers.”

Experian NeuroID for Account Defense provides a continuous, low friction authentication risk layer that evaluates behavioral, device and network signals throughout a digital session, from login through transaction. Rather than relying solely on whether credentials or authentication factors appear valid, the solution assesses how users interact with a session and the broader context surrounding that activity.

This approach helps organizations identify account takeover, fraud rings, scams, bots and coordinated abuse, including attacks in which credentials or multifactor authentication (MFA) appear legitimate.

Identifying the structure behind sophisticated attacks

Modern ATO does not follow a single pattern. Attacks can range from individual fraudsters rapidly accessing numerous accounts to sophisticated fraud rings with specialized roles spanning reconnaissance, account access, monetization and escalation.

Experian NeuroID for Account Defense uses multidimensional link analysis to connect activity across accounts, devices and sessions. This gives fraud teams greater visibility into the structure of an attack rather than only the individual suspicious event.

Combined with persistent device recognition, device and network intelligence and real time ATO risk scoring, the solution helps organizations identify risk that traditional point in time authentication controls may miss. Specialized signals can also help identify bots, suspicious one-time password activity, remote access, coercion and other account defense patterns, with sub second response times supporting real time decisioning.

"Modern account takeover doesn't follow a single pattern. It ranges from fast-moving imposters harvesting dozens of accounts to large, structured fraud rings with specialized reconnaissance and monetization techniques. Legacy authentication controls can often miss the bigger picture because they treat each suspicious session as an isolated event,” said Jim Mortensen, Fraud & AML Strategic Advisor at Datos Insights. “Experian NeuroID maps connections through multidimensional link analysis, behavioral profiling, and device intelligence from login through transaction, to give fraud teams visibility into the broader view of coordinated attacks.”

Measurable impact against sophisticated fraud

Results observed in client deployments of Experian NeuroID technology include:

2x increase in fraud detected at login 15% of previously approved sessions identified as risky 56x lift in the ability to predict chargebacks

Experian NeuroID for Account Defense also provides dashboards, alerts and investigation workflows that help fraud teams examine risky and connected sessions and act on emerging threats.

Strengthening fraud prevention with additional intelligence

Experian NeuroID for Account Defense adds behavioral, device and network insights to organizations’ existing identity verification, authentication and fraud controls. This additional intelligence can help organizations gain a more complete view of risk without introducing unnecessary friction for legitimate customers.

The solution is part of Experian’s broader commitment to using data, advanced analytics, AI and innovative fraud prevention capabilities to help businesses respond to an evolving threat landscape and protect digital customer experiences.

To learn more about Experian NeuroID for Account Defense, visit https://www.experian.com/business/products/neuroid.

About Experian

We also assist millions of people to realize their financial goals and help them to save time and money. We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

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Mon, 12 Oct 2026 10:34:00 GMT

Key Highlights

Experian Agent Trust™ now spans the full transaction lifecycle. Experian Human to Agent Binding securely connects verified consumers, devices and AI agents; DataDome dynamically assesses whether an agent’s actions align with legitimate business intent, enabling trusted interactions while identifying behavior that may signal abuse. Together, Experian, DataDome and Agent Trust Ecosystem partners extend trust beyond initial authorization, helping organizations assess whether agent behavior remains consistent with delegated authority throughout an interaction. DataDome integrates with existing commerce and security infrastructure without requiring organizations to re-architect their technology stacks, extending trust without adding friction to legitimate agentic commerce transactions.

Costa Mesa, Calif., Oct 1, 2026 – Experian, a global data and technology company, today announced that DataDome, a leader in bot and agent trust management, has joined the growing Experian Agent Trust™ ecosystem, expanding the industry's open framework for trusted agentic commerce.

Together, the companies will help organizations confidently embrace agentic commerce by combining Experian's trusted identity foundation with DataDome's continuous intent verification. The collaboration creates a layered trust framework that helps businesses verify who AI agents represent, understand whether their behavior remains consistent with delegated authority and make trusted decisions throughout every agentic commerce interaction.

"Agentic commerce has the potential to reshape digital business, but it will only succeed if organizations can trust the AI agents acting on behalf of consumers," said Kathleen Peters, Chief Innovation Officer at Experian. "Experian Agent Trust brings together leaders across identity, security, payments and infrastructure to create an open framework for trusted agentic commerce. DataDome strengthens that ecosystem by adding continuous intent verification alongside Experian's trusted identity foundation, giving organizations greater confidence in every trust decision."

As AI agents increasingly discover products, compare options and complete purchases on behalf of consumers, businesses need confidence that those agents are authorized to act and continue operating within their intended purpose. Experian Agent Trust addresses that need by securely binding verified consumers to the AI agents acting on their behalf through Human to Agent Binding, establishing trusted identity and delegated authority.

As part of the growing Experian Agent Trust ecosystem, DataDome adds continuous intent verification by dynamically evaluating whether AI agent behavior remains consistent with a trusted relationship. Together with industry leaders, Experian and DataDome provide organizations with greater confidence throughout every stage of an agentic commerce interaction.

"Experian’s Human to Agent Binding establishes the trusted link between a verified consumer and the AI agent acting on their behalf. DataDome builds on that foundation by continuously assessing the agent’s behavior and intent throughout the customer journey. Together, we help businesses enable trusted agents to transact without friction while stopping malicious or compromised agents in real time, making agentic commerce safer and more scalable," said Aurelie Guerrieri, DataDome’s Chief Marketing & Alliances Officer.

Extending Trust Throughout the Agentic Commerce Journey

DataDome brings proven AI-powered bot and agent trust management capabilities to the Experian Agent Trust ecosystem, continuously evaluating AI agent behavior throughout each session and updating trust signals as activity evolves. Recognized as a Leader in The Forrester Wave™ for Bot & Agent Trust Management (Q2 2026), DataDome builds on years of investment in AI detection, classification, and governance to help organizations make more informed trust decisions while allowing legitimate agent activity to continue uninterrupted.

DataDome integrates directly with Experian's Agent Trust framework, using verified Know Your Agent signals to inform its continuous intent verification and evaluate each session. This enables organizations to strengthen trust within existing transaction flows without changing checkout experiences or introducing operational complexity.

Building on Experian's leadership in identity verification and fraud prevention, which helps clients prevent an estimated $15 billion to $19 billion in fraud losses each year, Experian continues to expand its Agent Trust ecosystem by bringing together leaders across identity, payments, cybersecurity and edge infrastructure to establish the trusted foundation for agentic commerce.

With the addition of DataDome, the growing ecosystem further strengthens continuous trust throughout agentic commerce interactions, giving organizations greater confidence at every stage of the transaction lifecycle.

About DataDome

DataDome is the leader in bot and agent trust management, providing complete visibility and control over all traffic—whether human, bot, or AI agent. Named a Leader in The Forrester Wave™: Bot and Agent Trust Management Software, Q2 2026, DataDome is trusted by enterprises like Etsy, PayPal, and SoundCloud. Acting as your real-time traffic control plane, DataDome's multi-layered AI engine leverages thousands of models and 5 trillion signals daily to analyze the intent of every session in under 2 milliseconds, so only trusted traffic reaches your business — powering growth across your sites, apps, APIs, and MCP servers. A recognized Leader on G2, DataDome stops 20K+ attacks every second, ensuring traffic you can trust.

About Experian

We also assist millions of people to realize their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

Experian and the Experian marks used herein are trademarks or registered trademarks of Experian and its affiliates. Other products and company names mentioned herein are the property of their respective owners.

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Mon, 12 Oct 2026 08:00:00 GMT

COSTA MESA, Calif., Oct. 12, 2026 — Experian® today announced enhancements to its award-winning Power Profile Plus™ for Mortgage solution. Through the new enhancements, lenders and loan officers can reduce early-stage credit costs with the speed, simplicity and score flexibility they need to support consumers on their path to homeownership.

Power Profile Plus delivers a full Experian credit profile with VantageScore[1] 4.0 through a soft inquiry, giving lenders comprehensive credit insight and a score upfront without requiring a hard inquiry at the beginning of the mortgage journey. With Experian’s latest enhancements to the solution, lenders can now request unlimited eligible follow-up soft inquiries during the application and qualification period, and add additional scores at the lender’s discretion, without an additional Experian credit-profile charge.

“As the mortgage industry expands its use of modern credit scores, our focus is on making that transition cost-effective and easy to implement,” said Michele Bodda, Group President of Experian Housing, Verification Solutions and Employer Services. “Our clients have told us they need a full credit profile and a score up front to assess consumers quickly and confidently. Experian’s Power Profile Plus enhancements deliver decision-ready insights while lowering early-stage costs. This creates a simpler path to VantageScore adoption and helps lenders make more-informed decisions that can ultimately support more consumers on the path to homeownership.”

The enhanced Power Profile Plus workflow

Power Profile Plus provides a straightforward mortgage credit journey:

Start with the full Experian credit profile and VantageScore 4.0. The information is delivered through a soft inquiry, allowing the lender to assess the consumer before moving to a hard inquiry. Revisit the profile as needed. The lender may request unlimited eligible follow-up soft inquiries during the application and qualification period without another Experian credit-profile charge. Evaluate the FICO Score[2] as needed. If the lender chooses to assess a FICO® Score, the applicable score charge applies, but Experian does not charge again for the underlying credit profile. Move forward when ready. When the borrower and lender are ready to proceed, the lender can move from a soft inquiry to a hard inquiry and continue toward underwriting. Standard hard-pull credit-report and score pricing applies.

Supporting the shift to modern mortgage scoring

The announcement follows the Federal Housing Finance Agency’s expansion of VantageScore 4.0 availability to all approved Fannie Mae and Freddie Mac lenders. The change gives more lenders the opportunity to evaluate modern scoring models as the mortgage industry works to improve affordability, expand score choice and responsibly broaden access to homeownership.

A consumer-friendly experience

The Power Profile Plus enhancements come as consumers increasingly expect lenders to consider a broader picture of their financial lives. Experian research found one-third of consumers would actively seek out a new lender if they learned their current lender relied on legacy credit-scoring models that do not incorporate rent and utility payments, while 52% said they’d be more interested in pursuing homeownership if lenders considered additional positive payment history when evaluating mortgage applications. [3]

Power Profile Plus allows lenders to assess consumers using the full Experian credit profile through a soft inquiry. This can help consumers explore mortgage eligibility and potential options without beginning the process with a hard inquiry while enabling lenders to work more effectively with borrowers during the qualification period.

Expanding lender choice while managing costs

Experian’s broader mortgage scoring strategy gives lenders additional ways to manage costs and evaluate modern scoring models.

VantageScore 4.0 is available as a standalone mortgage origination score for $0.99. In addition, through the Experian Score Choice Bundle, lenders can access VantageScore 4.0 and FICO® Score 2 in a single transaction, with VantageScore 4.0 available at no cost when a FICO Score is obtained in 2026.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and platforms. We also assist millions of people to realize their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian. Other product or company names mentioned herein are the property of their respective owners.

[1] VantageScore is a registered trademark of VantageScore Solutions, LLC.

[2] FICO is a registered trademark of Fair Isaac Corporation.

[3] Methodology: Experian commissioned Atomik Research to conduct an online survey of 2,000 adults age 18+ in the United States. The margin of error for the overall sample is +/- 2.2 percentage points with a confidence level of 95 percent. Fieldwork took place between July 16 and July 21, 2026.

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Wed, 07 Oct 2026 11:07:00 GMT

London, 30 September, 2026: Experian, the global data and technology company, today announces the expansion of its capabilities within Snowflake, the AI Data Cloud company, with the launch of two new Snowflake Native App. The services will empower organisations to improve the quality of their customer contact information and create audience segments for paid media campaigns using their own existing customer data.

Customers can natively access these capabilities within Snowflake's AI Data Cloud, helping to keep data secure and within the organisation’s control, as well as strengthen privacy and compliance protections. This includes:

By removing the need to transfer customer data outside the Snowflake environment, Audience Activate reduce complexity, accelerates audience activation, while ensuring data remains protected, governed and fully under their control.

Andrew Abraham, Global Managing Director, Experian Data Quality, said: “In today's data-driven world, businesses need confidence the data powering their customer engagement, analytics and AI strategies is accurate, actionable and trusted.

“Experian is constantly innovating to help businesses overcome data challenges and unlock new opportunities. We're excited to deepen our relationship with Snowflake and help organisations improve the quality of their data where it already lives, reach the right audiences, and turn trusted data into better customer and business outcomes."

Colin Grieves, Managing Director, Experian Marketing Services UK&I, said: "Businesses want to unlock more value from their existing customer data, but when it comes to activating across paid media, there’s often a gap between the customer data they own, and their ability to turn it into actionable audiences across digital marketing channels. With Audience Activate, we're helping businesses bridge the gap in a simpler, faster and privacy-conscious way.

"Brands can connect their customer data to channel-relevant identifiers and build and deploy audiences to advertising platforms without moving customer data outside their Snowflake environment, giving them the ability to scale digital reach, improve marketing efficiency and deliver growth, all whilst maintaining strong data governance and control."

The integrations are the latest between Experian and Snowflake. Earlier this year, Experian announced Aperture Data Studio’s integration with Snowflake, giving organisations the ability to profile, transform and validate data directly within the Snowflake platform.

Experian is a sponsor of the Snowflake World Tour, taking place at ExCeL London on September 30th. In the panel session, How to Turn Customer Data into Actionable Intelligence, Experian will discuss how businesses can unlock greater value from their data, build trust in their insights and engage customers more effectively.

A free trial of the Contact Data Validation app is available today; interested organisations are encouraged to request access. The app will be available globally via the Snowflake Marketplace later this year. Audience Activate is currently in Beta testing with a select group of customers will be available to UK businesses from January 2027.

To find out more visit: https://www.experian.co.uk/business/partners/snowflake

ENDS

About Experian

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

Media contact:

Robert Goodman, Senior Media Relations Manager, Experian UK&I

Tel: +44 7989 398 498 / Email: Robert.Goodman@Experian.com

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Thu, 24 Sep 2026 05:51:00 GMT

Costa Mesa, Calif., Sept. 24, 2026 — In a move to broaden the verifications landscape and support faster, more informed decisions, Experian®, a global data and technology company, today announced a new integration with Workday, Inc., the enterprise AI platform for HR, finance, and IT. The integration will significantly expand the real-time income and employment information that can be accessed through Experian Verify™ and provide organizations with greater choice and flexibility to complete their verification needs.

The integration builds on Experian’s broader strategy to expand the Experian Verify network through payroll provider integrations and employer-direct connections. Through this continued expansion, Experian Verify has a path to coverage of more than 80 million records, representing over half of U.S. payroll employees.[1]

During important moments, including applying for a mortgage, auto loan, apartment lease or another financial product, consumers benefit when businesses can verify income and employment information in real time. When that information is available instantly and securely, businesses can reduce reliance on manual verification processes that often require additional documentation, slow down HR teams, delay approvals and create unnecessary friction for consumers.

By integrating with Experian Verify, Workday customers will gain greater choice and flexibility in how they fulfill employment and income verification requests while reducing the administrative burden for HR departments. With decades of experience managing sensitive consumer information and supporting some of the world’s largest organizations, Experian brings the scale, data stewardship and verification expertise employers need to participate with confidence.

At the same time, by increasing the number of records that can be accessed for instant verifications through Experian Verify, employees can move more quickly through important life events by removing the need to manually provide documentation.

“Whether it’s buying a home, purchasing a family vehicle, getting a job or navigating another important financial milestone, behind every verification request is a person trying to move forward,” said Michele Bodda, group president of Experian Verification Solutions, Employer Services and Housing. “Our integration with Workday gives employers another way to support those moments while helping reduce the verification burden on their HR teams. Experian brings decades of experience responsibly managing sensitive consumer information, giving employers a trusted partner and employees a faster, more seamless verification experience.”

The Workday integration represents a significant step in Experian’s strategy to build a more open and comprehensive income and employment verification ecosystem. With the addition of Workday, Experian Verify now offers payroll data from many of the nation’s largest payroll providers in addition to millions of unique records, giving businesses broader coverage and greater choice for instant income and employment verification.

“HR teams shouldn’t have to become paperwork chasers, and employees shouldn't have to put life on hold waiting for a verification to clear,” said Nancy Weitl, vice president, HCM product management at Workday. “Our work with Experian is one more way we're helping take that burden off both sides, so verifications happen quickly and securely.”

Experian Verify has a growing verification ecosystem, combining payroll provider integrations, employer-direct records and consumer-permissioned verification into a single platform. This diversified approach gives organizations broader coverage and greater flexibility to complete their verifications needs.

Workday customers will have the ability to verify income and employment through Experian as part of the newly announced Workday Total Benefits solution in late October.

To learn more, please visit https://www.experian.com/business/products/experian-verify.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and platforms. We also assist millions of people to realize their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

[1] According to the U.S. Bureau of Labor Statistics, total nonfarm payroll employment was approximately 159.1 million in August 2026: https://www.bls.gov/news.release/empsit.t17.htm

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Wed, 23 Sep 2026 08:56:00 GMT

Key Highlights

First personal finance integration: Experian becomes the first personal finance app integrated with Google Gemini’s Connected App ecosystem, bringing trusted Experian credit insights into conversational AI. Expanding Experian's reach: The collaboration provides a seamless experience for new consumers in the U.S to discover and join Experian at no cost and gives new and existing Experian members another way to connect with the services they know and trust. Personalized credit insights: Consumers who connect with Experian can ask Gemini about their FICO® credit rating and the key factors influencing it. Consumer choice and convenience: Experian’s connected app is consumer-directed, giving users the choice to access their Experian information through Gemini and creating another convenient way to engage with Experian alongside its direct products, services, and experiences it powers for clients.

COSTA MESA, Calif. Sept. 23, 2026 – Today, Experian, the global data and technology company, and Google announced a strategic collaboration that makes Experian the first personal finance app integrated with Google Gemini, expanding Experian's reach to one of the world's largest AI platforms and creating a new way for consumers to discover, access, and engage with Experian through conversational AI.

“Consumers increasingly expect to engage across the experiences and platforms that are part of their everyday lives,” said Jeff Softley, CEO of Experian North America.

“Our collaboration with Google delivers on that expectation, giving our existing members another way to engage with Experian while introducing us to consumers who may be discovering Experian for the first time. By bringing consumer-permissioned Experian credit insights into Gemini, we can help consumers better understand their credit and put their own information to work for them, in addition to the products, services, and experiences we power directly for our clients.”

Consumers in the United States will be able to connect with Experian in Gemini through a consumer-authorized experience and ask questions about their credit. Existing Experian members can connect their accounts, while consumers who discover Experian through Gemini can join Experian at no cost. They can also access their FICO® credit rating and key factors influencing it.

As AI assistants increasingly become part of how people navigate everyday decisions, Experian is extending trusted financial information into an emerging consumer channel while keeping consumers in control of whether their Experian information is connected and used. The collaboration also creates a new point of discovery for Experian, allowing consumers already using Gemini to connect with Experian, where they can access a broader range of financial products, services, and capabilities through the Experian app or website.

Turning Credit Information into Understanding

Consumers can ask Gemini questions about their Experian credit information and receive personalized responses designed to make that information easier to understand.

For example, a user can ask, “@Experian, what’s my credit rating?” and be prompted to connect directly with Experian to receive their credit rating within the Gemini experience. They can also ask about key factors influencing their credit, giving them additional context about where they stand and what may be affecting their credit profile.

Rather than simply viewing static information, consumers can ask questions in a conversational experience that combines Experian’s trusted credit data with Gemini’s AI capabilities to help make credit information easier to understand.

Consumers who want to view their FICO® Score 8[i] will continue to access it directly through the Experian website or app, where they can access a broader range of products, services, and capabilities designed to help them manage their financial lives and find more ways to save time and money.

How It Works

Connecting to Google Gemini’s Connect App ecosystem is designed to be simple, secure, and consumer controlled.

Users sign in to their Google account and open Gemini. From the Personal Intelligence menu, they can navigate to Connected Apps, select Experian, and choose to link and authorize access to their Experian account. Users also have the ability to tag “@Experian” to connect with the Experian app within a chat when asking a credit-related question.

Existing Experian members can authorize access to their Experian account, while consumers who are new to Experian can join at no cost and establish an Experian membership.

After securely authenticating, consumers can ask Gemini questions about their Experian credit information, including their FICO® credit rating and the key factors influencing it. Consumers can manage their connected app settings through Google’s Personal Intelligence settings at any time.

Expanding How Consumers Discover and Access Experian

The collaboration builds on Experian’s long track record of consumer innovation and advances its strategy of giving consumers more ways to engage where they choose.

As consumers increasingly use AI-powered assistants alongside apps, websites, and other digital experiences, Experian is expanding the ways consumers can access and engage with trusted financial information. The Gemini integration gives Experian another way to reach consumers, both existing members and people discovering Experian for the first time, through an AI platform that is increasingly part of consumers' everyday lives.

Gemini becomes another channel in Experian's broader consumer ecosystem, complementing the products and services it provides directly and the experiences it powers for financial institutions and other clients. Together, these experiences give consumers more ways to access Experian information, insights, and capabilities throughout their financial lives.

The companies also plan to build on the collaboration over time, expanding the Experian capabilities consumers can access through Gemini—such as subscription cancellation, which could help consumers save on unwanted subscriptions they currently pay for.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and software. We also assist millions of people to realize their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

[i] Credit score calculated based on FICO Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

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Mon, 21 Sep 2026 09:11:00 GMT

Key Highlights:

● Study shows that Patient Access Curator helped prevent downstream billing issues by identifying and correcting coverage and payer information at intake.

● AI-powered coverage intelligence improved claim accuracy through automated coverage identification and payer determination.

● Streamlined patient access workflows reduced administrative burden and supported a better patient financial experience.

COSTA MESA, Calif., September 21, 2026 — Experian Health's Patient Access Curator™, an AI-powered solution designed to help healthcare organizations prevent denials and get claims right from the start, protected $50.4 million in revenue over three years for a modeled composite health system, according to a Forrester Consulting Total Economic Impact™ of Experian Health Patient Access Curator study. Based on insights from five Patient Access Curator clients, the Experian Health-commissioned study found the platform reduced coordination of benefits (COB), eligibility and registration claim denials.

Hospitals spend approximately $18 billion annually attempting to overturn denied claims[1]. The study provides healthcare organizations with a framework to evaluate the potential financial and operational impact of Patient Access Curator on their own organizations. The findings reflect a growing shift among health systems toward preventing denials at registration rather than relying on costly post-claim recovery efforts.

“Healthcare leaders are increasingly recognizing that the greatest opportunity in revenue cycle management is not recovering revenue after the fact, but preventing losses before they occur,” said Mindy Fortson, Chief Operating Officer at Experian Health. “The Forrester study findings demonstrate how earlier coverage intelligence can help health systems protect millions of dollars in revenue, reduce administrative burden and unlock resources that can be reinvested in other priorities.”

Reducing denials accelerates the revenue cycle

Using AI-powered decisioning, Patient Access Curator is designed to automate and streamline decisions made during patient intake, where many downstream revenue cycle issues begin. It automatically validates and curates patient demographics, insurance coverage, coordination of benefits, Medicare Beneficiary Identifier information and related payer data to improve the accuracy of patient and insurance information before claims are created.

By Year 3, other results include an 80% reduction in time spent on insurance discovery activities.

To illustrate the potential impact, consider a 25-person team in which each employee previously devoted 25% of their time to insurance discovery. An 80% reduction could free approximately 10,400 hours annually, or the capacity of five full-time employees. Over three years, that represents approximately $887,000 in workforce capacity that could be redirected to more complex activities, such as resolving high-value claims, preventing denials and improving patient financial experiences.

Additionally, the study found a 45% reduction in outsourced claims and denial management costs by Year 3.

For a health system spending $5 million annually on outsourced services, that could equate to approximately $2.25 million in savings. Meanwhile, automated eligibility and coverage verification drove a 10% productivity lift among front-end staff by Year 3, helping teams work more efficiently while reducing the risk of errors that can create downstream rework.

These savings represent real resources that healthcare organizations can redirect toward patient care and other critical priorities. The model translated these operational and financial improvements into $11.5 million in risk-adjusted, present-value benefits over three years[2], which is equivalent to:

● Approximately one year of wages for 115 registered nurses

● About 115,000 primary-care visits

● Seven new MRI systems

● Approximately 38 fully equipped ambulances

The study also identified $82.2 million in accelerated cash collection, and unquantified benefits including improved employee and patient satisfaction, better collaboration between front- and back-end teams and reduced human error in coverage selection and registration. The study was conducted in August 2026.

To learn more and access the full study, go here.

Methodology

Forrester interviewed five decision-makers at healthcare organizations using Patient Access Curator. For the purposes of the study, Forrester aggregated the interviewees’ experiences and combined the results into a composite U.S.-based integrated health system with $5 billion in annual revenue, 20,000 employees and approximately 700,000 patients served annually.

About Experian Health

For more information about Experian Health, visit http://www.experianhealth.com. Learn more about Experian at www.experianplc.com.

[1] American Hospital Association, “Costs of Caring Report: Challenges Facing America’s Hospitals as They Care for Patients in 2026,” March 2026

[2] Quantified benefits included 40% reduction in COB denials, 35% reduction in eligibility denials, 20% reduction in registration denials, 30% increase in self-pay by Year 3, 5% reduction in account receivable days, 80% reduction in time spent on insurance discovery by Year 3, and 45% reduction in claims and denial management costs by Year 3. See report for more details.

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Wed, 16 Sep 2026 11:23:00 GMT

EMEA & APAC – 16 September 2026

Consumers are ready to take the next step in their relationship with artificial intelligence (AI), according to AI in Risk: The Rise of Agentic Commerce new research from data and technology company, Experian, conducted by Forrester Consulting.

The study of 6,247 credit-active consumers across 13 EMEA and Asia Pacific markets, found that more than half (54%) of respondents are comfortable with AI agents applying for credit on their behalf. The findings point to the next stage in the evolution of financial services, where consumers are becoming comfortable allowing AI to move beyond providing information to supporting parts of the lending journey, including comparing lenders, checking eligibility, completing applications and securely submitting authorised documents.

"Consumers are already changing the way they engage with financial services," said Mariana Pinheiro, CEO of Experian EMEA & Asia Pacific. "They are not just experimenting with AI anymore; they are beginning to trust it with more meaningful parts of their financial lives. Our research shows that 82% of the surveyed respondents already trust LLMs to compare loans across providers. For banks and lenders, the question is no longer whether AI will influence the next step of that journey, but how to prepare for it while continuing to earn and protect consumer trust. What began as using LLMs to better understand financial products is already moving towards asking AI agents to help them navigate complex financial journeys.”

Consumers are Embracing AI because it Makes Financial Decisions Easier

Consumers are embracing AI agents because they see practical value, not simply because the technology is new.

The research found that 85% of the survey respondents believe AI agents could help them compare more options than they could manually, while 84% say AI could help them save money by finding better prices or rates. A further 83% believe AI agents could help them avoid missing important details such as hidden fees or contract terms, while 81% believe AI could reduce decision fatigue by handling research and routine tasks on their behalf.

The findings suggest consumers are looking for AI that simplifies complex financial decisions, saves time and helps them make more informed choices.

The research also shows that consumers have different comfort levels when it comes to how much autonomy they would give an AI agent. For credit applications, many still want to retain oversight, while others are open to greater delegation: 23% would allow an agent to act when certain pre-agreed rules are met, while 5% would be comfortable giving it full autonomy.

Trust Will Shape the Next Phase of AI Adoption

While consumers clearly recognise the benefits AI agents can offer, trust remains fundamental to adoption.

Three-quarters (75%) of the respondents said they would feel more comfortable using AI connected to a financial institution they already trust, highlighting the opportunity for banks and lenders to build AI experiences within trusted customer relationships rather than treating AI as a standalone service.

As AI agents become capable of carrying out more tasks on consumers' behalf, financial institutions will need to start preparing systems that support secure interactions between consumer-side AI agents and lender-side platforms. Identity verification, consent management, fraud prevention and explainability will become critical as AI-assisted customer journeys continue to evolve.

Experian is helping financial institutions prepare for this evolution through advanced identity, fraud prevention and decisioning capabilities, including Agent Trust, which enables secure interactions between consumers, AI agents and businesses while helping organisations build trusted AI-assisted financial services.

Key findings

54% of consumers are comfortable with AI agents applying for credit on their behalf. 82% trust AI to compare loans across providers. 85% believe AI agents could help compare more options than they could manually. 84% believe AI agents could help them find better prices or rates. 75% would feel more comfortable using an LLM connected to a financial institution they already trust.

(ENDS)

For further information, please contact:

Yolanda Zondo

Yolanda.Zondo@experian.com

+27 (0) 64 753 7152

Sonia Palchetti

Sonia.Palchetti@experian.com

+39 (0) 3480193652

Methodology

Experian commissioned Forrester Consulting in [July 2026] to survey 6,247 credit-active digitally literate consumers across 13 EMEA and Asia Pacific markets: Australia, China, Denmark, Germany, India, Italy, Malaysia, New Zealand, Norway, Singapore, South Africa, Spain and Turkey. Respondents represented a balanced mix of generations and employment groups and were selected based on recent experience using digital financial services.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and software. We also assist millions of people to realise their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

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Wed, 16 Sep 2026 09:28:00 GMT

London, 16th September, 2026 – Experian today launches Fast Track, a lending innovation designed to transform the pre-approval journey for both consumers and lenders.

Powered by enhanced data insights, including Open Banking and advanced affordability information, Fast Track helps people better understand their likelihood of approval before applying for products such as loans and credit cards.

People can apply with greater confidence that they will be accepted for a pre-approved offer, face fewer additional checks, and avoid the disappointment of receiving a revised offer - or being declined - later in the application process. For lenders, Fast Track helps reduce unnecessary manual reviews, increase application completion rates and minimise applications that are unlikely to be approved.

Previously, people who received a pre-approved marketplace offer for a credit product were still subject to additional affordability and verification checks once they entered the lender’s application journey. This could result in declines, revised offers, requests for further documentation and longer application times.

Fast Track helps address this challenge by analysing a wider range of income, affordability and identity data at an earlier stage. As a result, lenders can complete more verification and affordability checks upfront, giving borrowers more certainty, saving them time and reducing the risk of disappointment later in the process.

Key partner in the project and early adopter, Lendable, has brought Fast Track to its loan customers, and in testing saw significantly fewer people who were told they were pre-approved stopped during final checks, with a 50% reduction in verification issues. Other lenders are already using Fast Track to improve the customer journey.

Edu Castro, Managing Director, Experian Consumer Services UK&I, said: “Consumers want greater certainty when they search for credit, and lenders want to spend less time processing applications which don’t end-up being approved. Fast Track is designed to address both challenges.

“By combining traditional eligibility assessments with richer affordability and Open Banking insights, we're helping consumers access more relevant offers with greater confidence, while enabling lenders to streamline application journeys and improve conversion. It's an important step forward in creating a more efficient lending experience for everyone."

Chris Meurice, Managing Director at Lendable, said: “Lendable was founded to help people get credit and save money, with transparency and accuracy comparing offers the foundations of a better deal.

“We have worked with Experian since 2018 to drive the vast improvement that pre-approved offers brought, but we knew that even more could be done to improve the customer experience. Fast Track is the missing link. It brings a new level of confidence for consumers, using the latest advancements in credit technology to remove last-minute rejections and ensure people pay only what they expect.”

ENDS

About Experian

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

About Lendable

Lendable is building the world’s best technology to help people get credit and save money.

With an AI trained on a decade of proprietary data, Lendable takes a holistic view of each customer’s finances to expand access to affordable, fast, transparent credit. Through Zable, Lendable’s superapp, the firm delivers personalised insights to millions of customers, making it effortless to apply for credit, refinance existing loans and save more.

Founded in London in 2014 by Martin Kissinger, Victoria van Lennep, and Jakob Schwarz, Lendable is now the UK’s largest issuer of personal loans and a top three issuer of credit cards. With a five-star Trustpilot rating from over 110,000 reviews and a fast-growing US presence, Lendable is powered by a 800-strong team working across London, Kent and Washington DC.

Media contact:

Robert Goodman, Senior Media Relations Manager, Experian UK&I

Tel: +44 7989 398 498 / Email: Robert.Goodman@Experian.com

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Thu, 10 Sep 2026 07:11:00 GMT

Key Highlights

AI-enabled decisioning engine brings real-time lender defined underwriting criteria to Experian Marketplace, its consumer comparison-shopping platform for credit cards, personal loans and auto insurance. First-of-its-kind platform to combine credit data, AI, and consumer-permissioned cash flow insights in one decisioning engine, helping match Experian's 90+ million members to offers they're likely to qualify for. Real-time, in-session consumer-permissioned data gives lenders a better view of a consumer's finances and enables offers that reflect their financial profile. 60% of previously denied or under-offered borrowers believe the outcome would have changed[i] if lenders had factored in recent income and banking activity, underscoring the financial-inclusion stakes of the launch.

COSTA MESA, Calif., Sept. 10, 2026 – As lenders increasingly seek more personalized ways to evaluate consumers and expand access to credit, Experian® has rolled out Experian Activate™, an AI-enabled decisioning engine powering the Experian Marketplace, a leading consumer comparison-shopping platform for credit cards[ii], personal loans[iii] and auto insurance[iv].

Designed to help connect Experian's more than 90 million members with offers they're more likely to qualify for, Experian Activate is the only platform that brings together credit data, advanced analytics, AI capabilities, consumer-permissioned financial information, including cash flow insights, and lender-specific underwriting criteria to power more personalized credit decisioning and offer matching. The platform helps lenders reach qualified consumers more efficiently while helping consumers discover financial products that better match their current needs and financial circumstances.

Experian Activate represents the next evolution of Experian's AI-powered marketplace capabilities, combining real-time decisioning, advanced analytics and consumer-permissioned data to create a more intelligent and personalized lending experience for consumers and lenders alike.

AI-Powered Decisioning for More Personalized Lending

Unlike traditional marketplaces that rely on pre-screened lists or periodically refreshed data, Experian Activate evaluates consumers using real-time information when they are actively shopping for credit. This enables lenders to make more informed decisions and helps consumers receive offers that reflect their current financial situation.

The same real-time credit intelligence that powers Experian Marketplace also extends to third-party experiences such as ChatGPT. As a result, consumers receive relevant financial recommendations across platforms, and lenders can reach qualified borrowers wherever they are searching for financial products.

"Experian Activate brings together the full power of Experian's data, analytics, marketplace reach and AI capabilities to create a more intelligent lending experience," said Rakesh Patel, Executive Vice President, Experian Marketplace at Experian. "We're uniquely positioned to help lenders make better decisions with greater confidence while helping consumers discover financial opportunities that are more personalized and relevant to their needs. It's another example of how Experian is using AI and innovating to create better outcomes across the financial ecosystem."

Expanding Credit Decisions with Cash Flow Insights

As part of the rollout, Experian has expanded the use of cash flow insights by integrating Experian Cashflow Attributes™ into Experian Marketplace. Participating lenders can incorporate consumer-permissioned cash flow data and Experian's proprietary analytics alongside traditional credit information to gain a more complete view of a consumer's financial health and create additional pathways to credit access.

Through a single connection, consumers can securely connect their bank accounts allowing Experian to generate cash flow insights while also strengthening their Experian credit profile through Experian Boost®[v], the one-of-a-kind feature that allows consumers to directly add bill payment history to their Experian credit file. When consumers choose to connect their accounts, cash flow insights can be incorporated into the credit decisioning process during the same session, enabling lenders to evaluate a broader financial picture and potentially present more relevant offers to more consumers, immediately.

"Cash flow data is transforming how we understand consumer behavior, assess risk and open doors for consumers who have been historically left out of the mainstream financial ecosystem," said Ashley Knight, Senior Vice President of Product Management, Financial Services and Data at Experian. "By bringing consumer permissioned cash flow insights directly into the Experian Marketplace experience, we're helping lenders extend more competitive offers to more consumers while creating a more seamless experience for people shopping for financial products that best meet their needs."

Accelerating Financial Inclusion Through Data Innovation

The launch of Experian Activate reflects Experian's broader commitment to using AI and responsible data innovation to expand access to financial opportunities and help consumers make more informed financial decisions.

By incorporating cash flow insights and consumer-permissioned financial data alongside traditional credit information, Experian Activate helps lenders evaluate consumers more holistically and identify opportunities that might otherwise be overlooked. The result is a marketplace that helps lenders reach more qualified borrowers while helping consumers discover financial opportunities they may have previously missed.

Research shows consumers see the value of providing financial data, with 60% of consumers who’ve previously been denied credit or received less favorable loan terms than expected believing the outcome would have been different if lenders had considered their recent income and banking activity alongside their credit history[vi].

Together, AI-powered decisioning, real-time data and consumer-permissioned financial insights are helping create a more personalized, accessible and inclusive marketplace for credit.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions and gain deeper insights into the automotive market through our unique combination of data, analytics and platforms. We also help millions of people realize their financial goals and save time and money.

We operate across a range of markets, including financial services, healthcare, automotive, agrifinance, insurance and many other industry segments.

We invest in talented people and advanced technologies to unlock the power of data and drive innovation. A FTSE 100 company listed on the London Stock Exchange (EXPN), Experian employs approximately 25,200 people across 33 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.

[i] Experian commissioned Atomik Research to conduct an online survey of 2,000 adults age 18+ in the United States. The margin of error for the overall sample is +/- 2.2 percentage points with a confidence level of 95 percent. Fieldwork took place between July 16 - July 21, 2026.

[ii] Results will vary. Based on FICO® Score 8 model. Offers and approvals not guaranteed. Eligibility requirements and terms apply. Application is subject to a credit check, which may impact your credit scores. Offers not available in all states. See experian.com for details.

[iii] Results will vary. Based on FICO® Score 8 model. Offers and approval not guaranteed. Eligibility requirements and terms apply. Application is subject to a credit check which may impact your credit scores. Offers not available in all states. Marketplace Licenses and Disclosures.

[iv] Results will vary and some may not see savings.

[v] Results will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost®. Learn more.

[vi] Experian commissioned Atomik Research to conduct an online survey of 2,000 adults age 18+ in the United States. The margin of error for the overall sample is +/- 2.2 percentage points with a confidence level of 95 percent. Fieldwork took place between July 16 - July 21, 2026.

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Thu, 27 Aug 2026 07:17:00 GMT

Key Highlights

Explore relevant credit card offers from Experian's trusted partner network directly within ChatGPT. Compare annual fees, introductory bonuses, rewards rates, introductory APR offers and ongoing APR ranges in seconds. Continue to Experian for credit card offers[i] matched to your Experian credit profile. Supports Experian's vision of making trusted financial marketplaces more accessible through AI.

COSTA MESA, Calif., Aug. 27, 2026 — Experian today announced the launch of the Experian Credit Cards app on ChatGPT, expanding its growing portfolio of AI-powered financial experiences and giving consumers a new way to discover and compare credit card options through a simple conversation.

"Consumers expect financial experiences to be as intuitive as the technology they use every day," said Debbie Hsu, Executive Vice President of Product, Experian Consumer Services. "By bringing our credit card marketplace into ChatGPT, we're making it easier for people to explore their options, compare cards with confidence and take the next step when the time is right. This is another example of how Experian is using AI to create simpler, more helpful financial experiences."

Consumers are increasingly turning to AI to answer financial questions before making important decisions. Whether they are looking for a cash back card, travel rewards, a low introductory APR or no annual fee, the research process often begins with a question. Until recently, finding the right answer typically meant sorting through search results, opening multiple browser tabs and comparing offers across multiple issuers’

websites. Consumer AI chat apps have enabled users to consolidate their search, and with Experian now managing offer detail display within ChatGPT, consumers can access accurate, consistent, and issuer-aligned offer information.

Bringing Credit Card Shopping Into the Conversation

Consumers want to understand which products fit their goals, whether they are building credit, earning travel rewards, reducing interest costs or maximizing everyday purchases.

The Experian Credit Cards app on ChatGPT helps simplify that decision. With only minimal input, consumers can review relevant offers from Experian's trusted partner network and compare the details that matter most, including annual fees, introductory bonuses, rewards rates, introductory APR offers and ongoing APR ranges, where available.

Each offer is presented with clear, consistent information, making it easier to evaluate options before continuing to Experian for offers matching their Experian credit profile. The experience in ChatGPT gives consumers an informed starting point and a faster path to finding a card that meets their needs.

"Our goal is to help consumers find credit card products that align with their financial goals and make those products easy to choose, get and use,” said Michael Coleman, Chief Marketing Officer at Credit One Bank. "Experian's Credit Cards app on ChatGPT creates a new way for consumers to discover and compare card options through a trusted, conversational experience. We're excited to be part of an innovation that helps consumers make more informed decisions before they apply.”

How It Works

Consumers who choose to take the next step can view offers matched to their Experian credit profile. Those who elect to receive offers are securely directed to the Experian website, where they can review eligible credit card offers. Experian members can also view any pre-approved offers[ii] they are qualified for, and cards labeled No Ding Decline™[iii],which won't affect a consumer's credit scores[iv], if they are not initially approved.

Advancing Experian's Consumer AI Strategy

The Experian Credit Cards app marks another step in Experian's strategy to bring trusted financial marketplaces into the AI platforms consumers are already using. From loans to insurance and now credit cards, Experian is building conversational experiences that help consumers move from asking financial questions to evaluating real financial products with greater confidence. By combining trusted marketplaces with AI, Experian is creating a simpler way for consumers to discover opportunities while maintaining transparency and consumer choice throughout the process.

Future enhancements are planned to include more personalized credit card experiences and expanded lender participation, continuing Experian's investment in AI-powered financial services that help consumers make informed financial decisions.

To access the Experian Credit Cards app on ChatGPT, click here.

For more information, visit www.experian.com/credit-cards.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and software. We also assist millions of people to realize their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

[i] Results will vary. Based on FICO® Score 8 model. Offers and approvals not guaranteed. Eligibility requirements and terms apply. Application is subject to a credit check, which may impact your credit scores. Offers not available in all states. See experian.com for details.

[ii] Final approval not guaranteed. Pre-approved means the consumer meets certain credit criteria established by the lender. Additional lender eligibility requirements apply to final approval, including identity, employment, and income verification. Final approval is subject to credit check, which may impact your credit scores. Offers and reward programs subject to lender terms. Offers not available in all states. Based on FICO® Score 8 model. See experian.com for details.

[iii] Applying for cards labeled No Ding Decline™ won’t hurt your credit scores if you aren’t initially approved. Initial approval of your application will result in a hard inquiry, even if you’re unable to pass final verifications, which may impact your credit scores. Results will vary. Credit offers, approvals and reward programs based on FICO® Score 8 model and subject to lender terms. Offers not available in all states.

[iv] Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

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Thu, 27 Aug 2026 07:13:00 GMT

Key Highlights:

Hybrids comprised 16.80% of new vehicle financing in Q2 2026, an increase from 12.99% in Q2 2025. In Q2 2026, hybrids had the lowest average monthly payment for new loans across all fuel types at $646, followed by EVs at $692, and gasoline-powered vehicles at $721. The average refinance rate this quarter was 7.97%, in comparison to a 10.40% average original rate, saving consumers an average of $83 a month.

Schaumburg, Ill., August 27, 2026 — As consumers navigate elevated fuel costs and continued affordability pressures, new Experian Automotive data shows vehicle shoppers increasingly gravitating toward hybrid models. According to Experian’s (LSE: EXPN) State of the Automotive Finance Market Report: Q2 2026, hybrids accounted for 16.80% of new vehicle financing during the quarter, an increase from 12.99% in Q2 2025. Meanwhile, electric vehicle (EV) market share declined from 9.21% to 8.15% over the same period.

“With the EV tax credit expiring last year, hybrids seemingly have become a more attractive option for consumers, particularly for those looking to save some money at the pump,” said Melinda Zabritski, Experian’s head of automotive financial insights. “But we’re also seeing hybrids offer greater financial flexibility, likely driven in part by manufacturer incentives that are making hybrids more cost-effective than in previous years.”

Hybrids carry a lower monthly payment than other vehicle segments

Interestingly, hybrids carried the lowest average monthly payment for both new loans and leases across all fuel types. In Q2 2026, the average monthly payment for a new hybrid vehicle loan was $646, followed by EVs at $692, and gasoline-powered vehicles at $721. For new leases, the average monthly payment for a hybrid was $566, while gasoline-vehicles had a monthly average of $602, and EVs came in at $641.

Meanwhile, from a total market perspective, data from the second quarter of 2026 found the average loan amount for a new vehicle climbed $1,715 year-over-year, reaching $43,610, and the average monthly payment increased $16 to $765 compared to the previous year. However, the average interest rate for a new vehicle dropped to 6.35% this quarter, from 6.79% last year.

On the used side, the average loan amount saw an uptick of $875 year-over-year, coming in at $27,852 in Q2 2026, and the average monthly payment increased to $542 this quarter, from $532 last year. Though, the average interest rate for a used vehicle fell to 11.19%, from 11.57% in the same time frame.

Refinancing continues to be a pathway for consumers

As interest rates continue to decline, consumers are exploring refinancing as a way to lower their monthly payments. In fact, the average refinance rate in Q2 2026 was 7.97%, compared to a 10.40% average original rate, which saved consumers an average of $83 a month.

Notably, credit unions offered the largest average payment savings when refinancing a vehicle, coming in at $102 in Q2 2026. Meanwhile, banks offered an average of $65 and finance companies presented a $38 difference.

“The automotive finance market continues to evolve, and refinancing can give consumers another avenue to alleviate the monthly payment for their vehicle,” Zabritski continued. “By reaching qualified borrowers with competitive finance options, lenders can help consumers save on financing costs while creating opportunities to strengthen customer relationships and build long-term loyalty.”

Additional findings for Q2 2026:

New leasing declined from 24.04% in Q2 2025 to 23.75% in Q2 2026, while new loans increased from 57.45% to 59.57% in the same period. The average payment difference between a new vehicle loan and lease was $148 in Q2 2026. Thirty-day delinquencies increased to 2.39% this quarter, from 2.32% last year and 60-day delinquencies grew to 0.90%, from 0.87% during the same time. Banks continued to lead the total automotive finance market share in Q2 2026 at 27.15%, followed by captives (26.26%), and credit unions (20.38%).

To learn more, watch the entire State of the Automotive Finance Market Report: Q2 2026 presentation on demand.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and platforms. We also assist millions of people to realize their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

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Thu, 20 Aug 2026 07:32:00 GMT

London, 20 August , 2026: For the very first time, UK consumers can now access their personal Experian Credit Score within an AI platform, following a major upgrade to the ChatGPT Experian app announced today.

Consumers are becoming more comfortable with AI to access a wide range of information and services and money management is no exception, with nearly two-thirds (62%) of regular ChatGPT users saying they turn to AI tools for support in helping them reach their financial goals.*

But when seeking information about credit scores, AI platforms can only offer generic, general answers, based on publicly-available sources which may not be accurate. The upgraded Experian app solves that issue, bringing people’s unique 1250 Experian Credit Score to ChatGPT and giving them greater insights into their score history. 

Experian powers the majority of lending decisions in the UK, including 8 in 10 credit card applications, making the Experian Credit Score one of the most important indicators consumers can access when understanding their financial position.

The upgrade marks the first time UK consumers can get secure, authenticated access to their personal credit score inside an AI platform. By connecting their Experian account within ChatGPT, users can:

See their personalised 1250 Experian Credit Score - displayed securely in the Experian widget, in seconds

Understand what makes up their score - a clear breakdown of the information used to calculate a score, helping people better understand what makes up their Experian Credit Score

Track their score history and score band - context on how their score has moved over time, without leaving the conversation

Compare current account offers – a clear comparison table to help customers pick the best current account 

The upgraded app has been developed with security and privacy as a priority. Consumers' credit scores are displayed within Experian's secure, logged-in experience. The solution is designed so that this information is not exposed to, or used by, the AI model when generating responses. For those looking for deeper insights, users will be directed back to Experian’s app and website for their full personalised credit report with tips to improve their score.

This responds directly to what consumers expect. Research found 91% of regular ChatGPT users would find an Experian ChatGPT app helpful, and 86% say they would trust it, with data privacy the single biggest factor in that trust.

In addition, 38% of users aged 18–34 say learning more about personal finance is one of their top financial goals, but this group remains among the least likely to have checked their credit score. 

By embedding personalised score insights into a platform they trust, Experian is making its trusted capabilities available everywhere consumers choose to engage. This expands access to trusted financial education, while creating a pathway to the Experian app where people can take action to better understand and improve their financial health.

Edu Castro, Managing Director of Experian Consumer Services, UK&I, said: “Today we're giving people secure access to their own personalised score, with a clear explanation of what's behind it, inside the AI platform millions already use every day.

“As people increasingly seek money advice on a range of different channels, it’s important the information they get is accurate and genuine. This is fundamental to our strategy of meeting people wherever they choose to engage with us and helping make credit understanding truly accessible, especially for younger consumers who are growing up with AI as their first port of call for financial questions. 

"Experian helps power the majority of lending decisions in the UK, so giving people easier access to their Experian Credit Score helps them better understand one of the key factors lenders use when making decisions."

To get started, users can now download the Experian app from ChatGPT's plug-in page and connect to their account by tagging @Experian and following the secure sign-in flow. New customers can sign up to Experian for free via the App Store or Google Play.

The Experian app in ChatGPT can be found here.

ENDS

Notes to Editor

*Research designed and analysed by Experian. 

Data collection conducted online via the Qualtrics platform between 8th May and 19th May 2026, with respondents recruited through Qualtrics’s research panel network.  

A total of 691 UK adults who actively use ChatGPT and have the ChatGPT mobile app installed on their phone completed the survey. Quotas were applied for age and gender to a sample representative of UK ChatGPT users. 

About Experian 

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and platforms. We also assist millions of people to realise their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

We invest in talented people and new advanced technologies to unlock the power of data and to innovate. A FTSE 100 Index company listed on the London Stock Exchange (EXPN), we have a team of 25,200 people across 33 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.

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Wed, 19 Aug 2026 07:28:00 GMT

Costa Mesa, Calif., August 19, 2026 —Experian®, a global data and technology company, today released its 11th annual Identity and Fraud Report, highlighting how artificial intelligence (AI) is transforming the digital economy while simultaneously creating new opportunities for fraud. The findings point to a growing challenge for businesses: building trust in an economy where both people and AI agents are increasingly participating in digital transactions.

The report found 31% of consumers have already used AI tools to shop and transact online, and another 23% would consider doing so. However, confidence drops sharply for higher-stakes decisions with just 21% comfortable relying on AI for completing travel-related purchases and only 17% for financial services decisions. Meanwhile, more than half of people say they’re concerned about AI-enabled scams, underscoring the trust challenges that could shape the next phase of AI adoption.

“AI is transforming digital interactions in ways that are creating both exciting opportunities and new risks,” said Kathleen Peters, Chief Innovation Officer at Experian. “As we move toward a human-not-present era where consumers increasingly rely on AI to help make decisions on their behalf, the organizations that will succeed will be the ones that make trust visible. Establishing identity and trust, whether for a person or an AI agent, is essential to every digital interaction.”

Fraud losses continue to climb

Consumers reported $15.9 billion in fraud losses in 2025, up 27% from the previous year, according to the FTC. The actual losses are likely much higher as many fraud cases go unreported. Experian’s research found that nearly 1 in 5 people suffered personal financial losses from online fraud in the past year, and another 15% say fraud was attempted but prevented. Seventy-two percent of victims say the experience left them feeling more vulnerable online. Phishing scams were the most common consumer fraud incident reported (26%), followed by fake advertising (19%), package delivery scams (16%), credit card theft (16%), unauthorized charges (15%) and fraudulent bank transactions (15%).

Businesses are feeling the impact as well, with 60% reporting fraud losses are somewhat or significantly higher than previous years, and 77% expect fraud management budgets to increase.

AI creates both opportunity and risk

Companies identify AI-generated phishing attacks as their leading AI-related fraud concern (53%), followed by AI-assisted first-party fraud (51%), document forgery (45%), automated bot attacks (40%) and deepfake voice scams (37%).

To combat these threats, businesses are rapidly adopting AI to strengthen defenses. Eighty percent of organizations report using machine learning or generative AI within fraud management environments to help identify suspicious activity, improve identity verification and enhance fraud detection capabilities.

Identity and security remain critical to trust

As digital interactions become more automated, consumers expect both security and convenience. Seventy-one percent say it’s important for businesses to accurately recognize them online, while nearly 50% report greater trust in organizations that can do so without requiring repeated authentication. In addition, 84% say they’re willing to complete additional security steps when needed to prevent fraud.

The findings suggest trust is becoming a competitive differentiator in an AI-driven marketplace. As AI agents play a larger role in digital transactions, companies need trusted ways to verify both the consumer and the digital agent acting on their behalf. To address this challenge, Experian recently launched Experian Agent Trust™, extending its expertise in identity and fraud prevention to help verify not only the person, but also the AI agent acting on their behalf.

Experian’s identity verification and fraud prevention solutions helped clients avoid an estimated $19 billion in fraud losses globally in 2025. To learn more, watch Experian’s 2026 Fraud Trends: Navigating AI and the Future of Digital Trust webinar here.

Methodology: Experian’s Identity and Fraud Report is based on two major surveys conducted in the U.S. with HarrisX in April 2026. The first asked more than 2,000 U.S. consumers about their online interactions and expectations regarding security and customer experience. The second survey asked more than 200 businesses in the U.S. about their strategies for effective fraud management, customer identification and authentication, including investments related to security and customer experience. Companies ranged in size from $10 million to above $1 billion in revenue.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and platforms. We also assist millions of people to realize their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

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Tue, 18 Aug 2026 07:33:00 GMT

COSTA MESA, CALIF., (AUG. 18, 2026) — While a credit confidence gap is keeping many prospective homebuyers out of the market, a growing awareness of expanded data and modern credit-scoring models is sparking a wave of consumer self-advocacy. According to new research from Experian®, one-third (33%) of consumers claim they’d actively seek out a new mortgage lender if they learned their current lender relied on legacy credit-scoring models that don’t incorporate rent and utility payments.

Experian’s research also showed the inclusion of everyday financial habits in scoring models could bring sidelined buyers to the table. More than half (52%) of consumers said they’d be more interested in pursuing homeownership if lenders considered additional positive payment history, such as rent and utility payments, when evaluating mortgage applications.

Gen Z is leading the charge

This demand for credit modernization is being driven by the next generation of homebuyers, who view a lender’s use of broader data in decisioning as a primary competitive differentiator.

According to the study, 3 in 4 (76%) Gen Z consumers over 18 say the type of credit scoring model a mortgage lender uses would influence whether they’d stay with that lender or consider another option.[1]

“We’ve long advocated for the use of expanded data, including things like rent and utility payments, to help increase access to homeownership,” said Michele Bodda, President Experian Housing, Verifications Solutions and Employer Services. “We’ve invested heavily in these areas and this research shows consumers, and younger borrowers in particular, want to be recognized for their complete financial picture. As Gen Z becomes a larger share of the mortgage market, mortgage lenders have an opportunity to differentiate themselves by embracing expanded data and modern scores that support more comprehensive credit evaluation while making the dream of homeownership a reality for more consumers.”

The research comes as nearly half (48%) of Gen Z consumers over 18 say they expect to be in a position to purchase a home within the next four years, and nearly two-thirds (62%) are aware that mortgage lenders are beginning to gain access to newer credit scoring models.

This consumer demand aligns with the Federal Housing Finance Agency’s (FHFA) ongoing transition to modern scoring models for mortgage decisions. Models like VantageScore® 4.0[2] consider alternative data, including things like rent and utility payments, making them especially beneficial for consumers with limited traditional credit histories.

To help accelerate industry adoption, Experian recently announced $0.99 pricing for VantageScore® 4.0 for mortgage originations, building on its previously announced Score Choice offering that provides lenders access to VantageScore 4.0 at no additional cost when they obtain a FICO® Score.[3] Together, these initiatives are designed to lower adoption costs, expand lender choice and support the industry’s transition to modern credit scoring.

To learn more about Experian’s recent research visit https://www.experian.com/blogs/news/2026/08/18/legacy-credit-scoring-homebuyers/.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and platforms. We also assist millions of people to realize their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian. Other product or company names mentioned herein are the property of their respective owners.

[1] Methodology: Experian commissioned Atomik Research to conduct an online survey of 2,000 adults age 18+ in the United States. The margin of error for the overall sample is +/- 2.2 percentage points with a confidence level of 95 percent. Fieldwork took place between July 16 and July 21, 2026.

[2] VantageScore is a registered trademark of VantageScore Solutions, LLC.

[3] FICO is a registered trademark of Fair Isaac Corporation.

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Fri, 31 Jul 2026 16:21:00 GMT

July 31, 2026– Experian, a leading global data and technology company has been recognized in the 2026 Disability Index®, earning recognition as a World’s Top Disability Inclusive Business in the United States, United Kingdom, Brazil and, for the first time, Australia. The achievement reflects Experian’s ongoing commitment to creating an accessible, inclusive workplace.

The Disability Index is widely recognized as a comprehensive benchmarking tool that helps organizations measure and advance disability inclusion across their workplaces. It is trusted by over 70% of the Fortune 100 and nearly half of the Fortune 500 and provides companies with data-driven insights to assess performance, identify opportunities, and drive continuous improvement over time.

“Experian's goal is to create a workplace defined by belonging, not barriers. Having Australia recognized alongside the United States, United Kingdom and Brazil in this year’s Disability Index demonstrates the progress we’re making globally towards greater accessibility and inclusion. We are committed to ensuring that every employee has the opportunity to contribute, grow and succeed,” said Valdemir Bertolo, chief executive officer, Experian Latin America and global sponsor of Experian’s Barrier Free Workplace Initiative, a cross-functional effort focused on improving accessibility for employees, clients and consumers.

Over the past year, Experian has continued to advance accessibility initiatives around the world.LV = is the most recent organization to join Experian’s Support Hub in the United Kingdom, a “tell it once” service that allows people to share their support needs with multiple businesses in a simple, standardized way. New internal assistive technology storefronts launched in Brazil and Australia, helping employees access tools and resources that support a wide range of abilities. Accessibility across products and digital experiences continue to be advanced, aligning with Web Content Accessibility Guidelines (WCAG) 2.2 AA standards, an international standard.

“This year’s Disability Index shows that leading companies are embedding disability inclusion into the core of how they operate. It's shaping how businesses design products, build trust, and drive innovation. The companies leading today are the ones building more adaptable, resilient, and future-ready organizations,” said Jill Houghton, president and chief executive officer of Disability:IN.

Learn more about Experian’s culture of inclusion, belonging and social impact in the 2026 Power of YOU Report in English, Portuguese, Spanish.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and platforms. We also assist millions of people to realize their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

About the Disability Index

The Disability Index® is the leading benchmarking tool for advancing disability inclusion in business worldwide. Trusted by over 70% of the Fortune 100 and nearly half of the Fortune 500, the tool helps companies determine opportunities for progress through data-driven actions and outcomes.

An initiative of Disability:IN, participation is open to companies operating in countries around the globe. Learn more at DisabilityIN.Org.

About Disability:IN

Disability:IN is the leading nonprofit resource for business disability inclusion worldwide. Together with the world’s leading companies, Disability:IN drives progress through initiatives, tools, and expertise that deliver long-term business impact. Are You IN?

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Thu, 30 Jul 2026 09:25:00 GMT

London, 30 July, 2026: Experian and AUDIENCES today announce a new partnership designed to help brands and agencies unlock greater value from their first-party customer data and deliver more effective marketing across the media ecosystem.

Experian is uniquely combining its consumer insight, enrichment and interoperable identity capabilities with AUDIENCES' cloud-native technology. By leveraging Experian's signal-agnostic identity capabilities, with 85% household connectivity across 500 million digital identifiers, brands can reach more of the right customers, improve media effectiveness and generate stronger returns on their first-party data investments, all while delivering more relevant customer experiences.

Deployed entirely inside a brand or data owner's cloud infrastructure, the AUDIENCES application then keeps data securely under the organisation's control, ensuring privacy is built into the workflow ensuring the brand remains the data controller at all times.

Despite significant investment in collecting and understanding first-party customer data, 72% of marketers struggle to activate it effectively due to technical, operational and privacy barriers*. As brands navigate an increasingly complex ecosystem of platforms, identifiers and media environments, alongside evolving consumer data privacy regulations, valuable customer intelligence too often fails to reach the activation channels where it can improve campaign performance and deliver stronger marketing outcomes.

Together, Experian and AUDIENCES are helping remove these barriers by enabling organisations to enrich customer data, connect customer intelligence to activation across channels and create more relevant audience opportunities. The result is broader reach, improved performance and greater transparency, governance and control.

Experian and AUDIENCES are initially working with a small number of brands to validate priority use cases as the collaboration is brought to market.

Colin Grieves, Managing Director, Experian Marketing Services UK&I, said: "For years, the industry's focus has been on collecting first-party customer data. Today, the real opportunity is turning that insight into measurable marketing outcomes.

"Too often, however, marketing teams know who they want to reach but are constrained by the complexity of connecting customer insight to the platforms, identities and activation opportunities needed to reach those audiences.

"Through this partnership, we're helping marketers unlock more value from the customer data they already hold, powering stronger relevance, improved marketing performance and greater confidence in how campaigns are delivered and who they are reaching.”

Rob McLaughlin, Co-founder and CEO of AUDIENCES, said: “One of the biggest barriers to activating first-party data isn't a lack of insight - it's the operational complexity of connecting that data to the fragmented media ecosystem.Our collaboration with Experian solves that challenge by providing a secure, interoperable activation layer that allows brands to translate their existing customer data into privacy-first audience signals that can be deployed consistently across today's media landscape.

"The underlying data remains firmly under the brand's control, meaning marketers can activate across channels more efficiently while maintaining the security, transparency and compliance that modern marketing demands.

"Together, we're helping brands simplify audience activation, reduce operational friction and make first-party data work harder across search, social, programmatic, CTV and emerging digital channels."

ENDS

Notes to Editor

* Experian Media Buying in Transition Report, 2025

About Experian

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

About AUDIENCES

AUDIENCES is an independent, cloud-native software company headquartered in London, helping brands, retailers, publishers and data owners unlock and activate customer intelligence securely within their own cloud infrastructure. The AUDIENCES platform enables organisations to connect, distribute and activate first-party and proprietary data across advertising, retail media and customer engagement channels while retaining control of the underlying customer data.

Trusted by organisations including FTSE 100 brands, major UK retailers and global enterprises, AUDIENCES helps customers maximise the value of their customer intelligence through an open, interoperable and privacy-first approach. Learn more at weareaudiences.com.

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Wed, 29 Jul 2026 17:11:00 GMT

Key Highlights

Chartis Research recognized Experian as the category winner for Model Risk Management Environment in the Quantitative Analytics50 2026 report. Experian Ascend Platform™ enables organizations to move from model development to governed production with transparency, traceability and policy-driven controls. Recognition validates Experian's approach to helping lenders and financial institutions accelerate AI adoption while strengthening compliance, explainability and model risk governance.

COSTA MESA, Calif., July 29, 2026 – Experian today announced it has been recognized by Chartis Research as the winner in the Model Risk Management Environment category in the Quantitative Analytics50 2026 report. The recognition marks Experian's first appearance in the prestigious ranking and reinforces the company's position as a leading provider of data and AI-driven analytics solutions for regulated financial services organizations.

"This recognition from Chartis reflects the growing importance of governing AI with the same rigor used to build it," said Vijay Mehta, Chief AI Officer at Experian. "Financial institutions need to scale AI without sacrificing transparency, accountability or regulatory compliance. Our vision is to provide an integrated agentic platform that enables organizations to operationalize trusted AI with confidence, helping them move from building models to deploying trusted AI at enterprise scale."

The award recognizes Experian's comprehensive approach to model risk management, which allows organizations to govern analytical and AI models throughout the lifecycle, from development through deployment and continuous monitoring. Built on the Experian Ascend Platform™, the solution combines trusted data, feature engineering, model operations, decisioning and risk analytics with capabilities including model registry, version control, automated validation, explainability, fairness testing, continuous monitoring, drift detection and audit-ready documentation. Together, these capabilities help organizations accelerate AI adoption while maintaining transparency, traceability and regulatory oversight.

This comes at a time when more institutions are moving to adopt AI. According to Experian research, 60% of respondents agree that they are moving toward architectures that enable AI agents and systems to interact seamlessly across tools and data sources. Additionally, 86% of respondents agree that transparency of analytics and insights is considered highly valuable in improving decision-making.

“Experian’s strong showing in our STORM Quantitative Analytics50 ranking, and its Model Risk Management Environment solution award, reflect the strength of Ascend, its advanced analytics development and management environment,’ said Sid Dash, Chief Researcher at Chartis. ‘By providing robust development, sandbox and control tools, Ascend enables users to combine components that are often highly diverse.”

Experian also continues to advance AI-enabled analytics through model-building copilots, AI governance support, synthetic data, scenario construction and stress testing, allowing financial institutions to scale AI responsibly while strengthening governance and operational efficiency.

Chartis’ recognition further validates Experian's continued investment in helping financial institutions adopt AI responsibly while strengthening governance, transparency and confidence in analytical decision-making. As adoption moves from experimentation to enterprise scale, tools like Experian's Agent Operating SystemTM will be important to support clear controls, auditability and human oversight.

To learn more about Experian's Model Risk Management solutions and the Experian Ascend Platform, visit https://www.experian.com/business/products/assistant-for-model-risk-management.

About Chartis

Chartis Research is the leading provider of research and analysis on the global market for risk technology. Our goal is to support companies as they drive business performance through improved risk management, corporate governance and compliance, and to help clients make informed technology and business decisions by providing in-depth analysis and advice on virtually all aspects of risk technology. For more information, visit www.chartis-research.com.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and platforms. We also assist millions of people to realize their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

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Fri, 24 Jul 2026 14:21:00 GMT

Key Highlights

Fastly joins the Experian Agent Trust™ ecosystem, extending trust decisions to the network edge and helping organizations securely verify and authorize AI driven transactions. Experian Human to Agent Binding securely connects verified consumers, devices, and AI agents, creating trusted relationships that enable accountable autonomous commerce. Together, Experian and Fastly help organizations verify AI agents, evaluate delegated authority, and authorize transactions before requests reach their applications. Fastly works with existing APIs, authentication systems, payment workflows, and security controls so organizations can adopt trusted AI commerce without rebuilding their infrastructure.

Costa Mesa, Calif., July 24, 2026 – Experian today announced that Fastly (NASDAQ: FSLY), a leading global edge cloud platform, has joined the growing Experian Agent Trust™ ecosystem. Together, the companies will help enterprises verify AI agents, authorize transactions, and make trust decisions in real time as autonomous commerce continues to grow.

"Agentic commerce represents one of the most significant shifts in digital commerce since the rise of mobile," said Kathleen Peters, Chief Innovation Officer at Experian. "As AI agents become active participants in online transactions, businesses need infrastructure that establishes trust without slowing down the customer experience. Experian’s Human to Agent Binding is foundational to that trust, creating a persistent connection between verified people and the AI agents acting on their behalf. Fastly extends those trust decisions to the edge, helping organizations authorize transactions in milliseconds while creating secure, seamless experiences for consumers and businesses alike."

AI agents are now capable of discovering, recommending and purchasing items on behalf of shoppers. As that happens, organizations need a reliable way to understand which agents they can trust, who those agents represent, and whether they are authorized to act.

Experian Agent Trust addresses this challenge by establishing trusted identity, delegated authority, and transaction confidence for AI agents. Through Human to Agent Binding, Experian securely connects verified individuals, their devices, and the AI agents acting on their behalf. Fastly joins a growing ecosystem of technology partners working with Experian to build an open framework for trusted AI commerce.

Fastly's programmable edge platform enables organizations to verify AI agent identity, evaluate trust signals, and authorize transactions before requests reach their origin infrastructure. Because the platform integrates with existing APIs, authentication systems, payment workflows, and security controls, businesses can support trusted AI commerce without redesigning their existing applications.

"As AI agents become an increasingly important channel for digital commerce, businesses need a way to distinguish trusted, authorized agents from everything else," said Jeff Alpen, Vice President of Fastly’s Partner Ecosystem. “Instead of treating every autonomous agent as something to block, Fastly enables businesses to verify who is behind the request, attach commercial value, and authorize transactions in real time. We help organizations turn trusted AI agents into a competitive advantage without requiring them to rearchitect their existing infrastructure."

Trust Decisions at the Edge

Within the Experian Agent Trust ecosystem, Fastly extends Experian's trust framework to the network edge, enabling organizations to evaluate AI agent identity, delegated authority, intent, and payment credentials before requests reach backend systems.

Fastly also supports integrations with emerging Know Your Agent technologies, including Skyfire, helping businesses validate identity and payment credentials in milliseconds. Organizations can apply identity-based access policies, pricing, rate limiting, and transaction approval while maintaining performance and preserving their existing business logic.

Rather than viewing AI generated traffic solely as a cybersecurity concern, organizations can recognize trusted AI agents as a new channel for digital commerce that is authenticated, accountable, and ready to transact.

A Growing Opportunity for AI Commerce

Agentic commerce is already reshaping digital business. Salesforce reported AI agents influenced $262 billion in holiday sales during 2025. Imperva reports that 53 percent of all web traffic is automated, while McKinsey projects AI agents could drive up to $1 trillion in U.S. commerce by 2030.

As autonomous commerce continues to grow, organizations need infrastructure that combines identity, trust, security, and performance. Together, Experian and Fastly help businesses build that foundation while working with the systems they already have in place.

Built for the Future of Commerce

Experian Agent Trust is designed to work with existing commerce, payment, identity, and security platforms. Supported by the Experian Agent Registry, the framework maintains dynamic trust scores for Human to Agent Bound AI agents, helping organizations establish confidence in autonomous interactions while preserving transparency and accountability.

Building on Experian's leadership in identity verification and fraud prevention, which helps clients prevent an estimated $15 billion to $19 billion in fraud losses each year, Experian continues to expand its Agent Trust ecosystem by bringing together leaders across identity, payments, cybersecurity, and edge infrastructure to establish the trusted foundation for AI driven commerce.

About Experian

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

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Mon, 20 Jul 2026 07:33:00 GMT

Costa Mesa, Calif., July 20, 2026 — Experian® today announced it has been named one of America’s best online platforms in the Newsweek America’s Best Online Platforms 2026 list, presented by Newsweek and Statista Inc. The list recognizes the top digital platforms across the United States that set the standard for quality and trust. The recognition reflects Experian’s ongoing commitment to delivering accessible and intuitive digital solutions that empower its more than 85 million members to take control of their financial lives.

Experian.com is a leading consumer finance platform where members can not only access their Experian credit report and FICO® Score[i], but a suite of financial health products and tools. With offerings like the Experian auto insurance[ii], credit card[iii], personal loan[iv] marketplace, Experian Boost®[v], along with tools for subscription cancellation and bill negotiation[vi]—the platform and app help consumers compare financial options, reduce expenses and better manage their money.

These capabilities are further enhanced by Experian’s AI-powered innovations, including EVA, the Experian Virtual Assistant™, which delivers personalized insights and real-time financial guidance.

“At Experian, we continue to evolve how consumers interact with their financial information by making it more intuitive, personalized and actionable,” said Debbie Hsu, Executive Vice President of Product at Experian Consumer Services. “This recognition reflects our commitment to helping consumers achieve better financial outcomes through experiences that deliver greater clarity and control.”

About the ranking

To identify this year’s honorees, Statista conducted a comprehensive evaluation of more than 20,000 U.S.-based online platforms and took into consideration four key evaluation factors including:

Nationwide Online Survey: Representative online survey of more than 15,000 users of online services. Traffic Growth: Analysis of platform traffic growth. Technical Performance: Assessment of key technical metrics to assess platform quality, including user session duration, bounce rate and other performance indicators. Apps & Mobile Usability: Evaluation of the mobile experience based on the availability and quality of platform apps, including presence in app stores, user ratings, and whether the platform offers an optimized mobile display.

Statista publishes hundreds of worldwide industry rankings and company listings with high-profile media partners. This research and analysis service is based on the success of statista.com, the leading data and business intelligence portal that provides statistics, relevant business data, and various market and consumer studies and surveys.

View the full Newsweek America’s Best Online Platforms 2026 list here. To learn more about Experian, visit www.Experian.com or download the Experian app.

About Experian

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

[i] Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

[ii] Results will vary and some may not see savings.

[iii] Results will vary. Based on FICO® Score 8 model. Offers and approval not guaranteed. Eligibility requirements and terms apply. Application is subject to a credit check, which may impact your credit scores. Offers not available in all states. Marketplace licenses and disclosures.

[iv] Results will vary. Based on FICO® Score 8 model. Offers and approval not guaranteed. Eligibility requirements and terms apply. Application is subject to a credit check which may impact your credit scores. Offers not available in all states. Marketplace Licenses and Disclosures.

[vi] Results will vary. Not all bills or subscriptions are eligible for negotiation/cancellation. Savings are not guaranteed, and some may not see any savings. Available with eligible paid memberships and requires connecting payment account(s) to Experian account.

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